The SBI SimplyClick Credit Card is one of the best options for people who shop online and want to save money. Cardholders get amazing discounts and offers, which makes it the best choice among other competitor credit cards. It offers 10 times more rewards for shopping online on partner platforms like Swiggy, BookMyShow, Myntra, Cleartrip, and other purchases; cardholders earn 5 times more. This is an excellent credit card for beginners. The annual membership fee of only ₹499 makes it one of the most suitable credit cards for beginners. With this card, you can get up to ₹4,000 gift vouchers per year by reaching a spending milestone. The SBI SimplyCLICK Credit Card offers a credit limit range of ₹10,000 to ₹5,00,000.
Benefits of SBI SimplyClick Credit Card:
This Credit Card has features perfect for online shoppers. It offers 10X reward points on purchases made at popular partner websites like Amazon, BookMyShow, Cleartrip, and other online shopping; cardholders earn 5X reward points. That makes this credit card every online transaction more rewarding.
As a welcome bonus, new cardholders get an Amazon gift voucher worth ₹500. The annual fee of ₹500 can also be waived if you spend ₹1,00,000 or more annually. You also get a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000. The card has the added security of an EMV chip and OTP verification for online payments.
How to Get the Most Out of Your SBI SimplyClick Card:
Shop on Partner Websites:
Shop on Amazon, BookMyShow, Cleartrip, and other partner platforms where the SBI SimplyClick Credit Card offers 10x reward points.
Pay Your Bills on Time:
Always pay your bills on time. This will help you maintain your credit score and avoid late fees and other charges.
Redeem Points:
Redeem your points on time because they expire after 24 months from the accrual date.
Track Your Spending:
Always keep track of your expenses and rewards. This will help you avoid spending the over limit. Expenditures over the limit can damage your credit score. Crossing the credit limit also attracts extra charges.
ALSO READ: What is Credit Score?
Who Should Apply for the SBI SimplyClick Credit Card?
Online Shoppers:
The SBI SimplyClick Credit Card is ideal for people who enjoy online shopping.
Budget-Conscious Beginners:
It is an ideal choice for beginners looking for a cost-effective credit card.
Budget-Conscious Beginners:
This card is perfect for beginners because of its easy-to-understand rewards program. The low annual fee also makes it easy for beginners to choose from.
Suggested Read: 10 Best Credit Cards for Beginners
How to Apply for SBI SimplyClick Credit Card
Applying for this credit card is very easy. Here are the steps you can follow to apply for this Credit Card:
Steps to Apply Online
- Visit the SBI Card Website: Go to the official SBI Card portal.
- Select the SimplyClick Card: Choose the card and click on “Apply Now”
- Fill in Your Details: Enter personal, professional, and financial details.
- Upload Documents: Provide necessary documents, such as a PAN card, Aadhaar card, and income proof, as required by the application form.
- Submit Your Application: After the submission, the bank will review your application and inform you. Then you can check the application status by your phone only.
Eligibility Criteria for SBI SimplyClick Credit Card:
To apply for this credit card, you must meet the following criteria:
- Age: 21 to 60 years.
- Employment: Salaried or self-employed with a stable income.
- Credit Score: A good credit history increases your chances of getting approved.
Documents Required to apply for SBI SimplyClick Credit Card
- Identity Proof: Aadhaar Card, PAN Card, or Passport.
- Address Proof: Utility bills, rental agreement, or Aadhaar Card.
- Income Proof: Salary slips, IT returns, or bank statements.
Conclusion–
This Credit Card is an excellent choice for people who want to save on daily expenses. SBI SimplyClick Credit Card is one of the best credit cards for online shopping. It offers 10X reward points on partner websites and 5X on other online transactions. It provides a simplistic reward program for the convenience of the cardholders. With a low annual fee of ₹499, this card ensures that users get maximum value for their money.
FAQ
Does SBI SimplyClick Credit Card Offer Airport Lounge Access?
Although other premium credit cards have complimentary lounge access, but the SBI SimplyClick Credit Card does not provide airport lounge access. If you want a credit card with lounge access, you can choose any of the following credit cards.
- SBI Elite Credit Card
- SBI Prime Credit Card
- Club Vistara SBI Card PRIM
- Air India SBI Card Signature
- SBI Aurum Credit Card
These credit cards offer complimentary lounge visits. Our list of the best Airport Lounge Access credit cards can also be seen.
Is the SBI SimplyCLICK Card free for a lifetime?
No, the SBI SimplyCLICK Card is not free for a lifetime. But you can waive your annual fee for the first four years if you spend Rs. 1 lakh or more in the preceding year.
What are the modes of payment for paying the SBI SimplyClick Credit Card bill?
You can pay your Credit Card bill online through a debit card, Unified Payment Interface (UPI), National Electronic Fund Transfer (NEFT), mobile app, net banking, SBI Auto Debit and others.
How to pay Credit card bill at an ATM?
Follow these steps to pay your Credit Card bill using your SBI Debit Card at any of the SBI ATMs:
- Go to the nearest SBI ATM
- Insert your debit card into the ATM, click the ‘Services’ tab, and then ‘Bill Pay’ option.
- Enter your SBI Credit Card number and the amount to be paid
